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Record-Low CPI and Ex-Gold Deflation Put RBI’s December Decision to the Test

SBI credits GST slab cuts alongside cheaper food for the downswing.

Overview

  • Headline CPI fell to 0.25% year-on-year in October, while CPI excluding gold stood at -0.57%, with SBI Research expecting ex-gold readings to stay negative for the next two months.
  • SBI estimates the September GST rationalisation reduced measured inflation by about 85 basis points, reinforcing food-led disinflation.
  • A surge in gold pushed personal care and effects inflation to 57.8%; core CPI was roughly steady at 4.33% but eased to about 2.6% when gold was excluded.
  • Inflation trends vary sharply by state, with Kerala at 8.56% and 12 of 22 states reporting negative inflation.
  • The RBI kept rates unchanged in October, and analysts at Crisil and Bank of Baroda now see CPI averaging near 2.5% this fiscal and anticipate at least one repo cut, as SBI flags the need for careful communication and liquidity management ahead of December.